My client operates parking garages. One of the garages used by condo residents was damaged by flooding earlier this month and it will take a few months to repair the garage. (Luckily my client removed all the autos to another garage they operate prior to the flooding.) My client rented a minivan from Enterprise in order to transport the residents back and forth from the garage to their condo.

Enterprise does not provide uninsured motorists coverage. My client's auto policy insuring the hired auto exposure has uninsured motorists coverage however, it is symbol 7 and therefore only applies to scheduled autos.

The above scenario is my concern. However, I am curious on how it would apply if the auto is a family member or friend's auto or an employer's auto.